UNTARUNTAR

International Journal of Application on Economics and BusinessInternational Journal of Application on Economics and Business

This research investigates the impact of cognitive aspects and AI attributes on the continued adoption of AI-powered mobile banking applications in Malaysia. It examines the relatively recent incorporation of AI into Malaysian mobile banking and the extent to which age influences user intentions. A total of 398 participants were surveyed, with data analysis conducted using SPSS. The results indicate that factors such as perceived usefulness, ease of use, enjoyment, and intelligence significantly contribute to users continued engagement with AI-enabled banking apps, with age playing a moderating role. However, perceived anthropomorphism did not have a statistically significant effect on user intention, nor did age significantly moderate the connection between perceived intelligence and continuance intention. The studys findings aim to enhance AI-enabled banking applications, fostering a more user-friendly and satisfying experience across different age groups. These insights provide valuable direction for software developers and financial institutions aiming to optimize user satisfaction and engagement with AI-powered mobile banking systems.

This study confirms the significant influence of perceived usefulness, ease of use, enjoyment, and intelligence on the continued use of AI-powered mobile banking apps.Age plays a moderating role in these relationships, highlighting the need for tailored approaches to user experience.Notably, perceived anthropomorphism did not significantly impact user intention, suggesting that focusing on functional aspects is more crucial.These findings provide valuable insights for developers and financial institutions to optimize user satisfaction and engagement with AI-driven mobile banking.

Future research should expand the studys scope beyond Malaysia to assess the generalizability of the findings in diverse cultural and economic contexts. Investigating the moderating effects of income and education levels could provide a more nuanced understanding of user behavior. Furthermore, longitudinal studies are needed to explore the long-term impact of perceived anthropomorphism on users continued use of AI-enhanced mobile banking applications, and to examine how evolving AI capabilities influence user expectations and adoption patterns. Finally, research could explore the integration of emerging technologies, such as biometric authentication and personalized financial advice powered by AI, to further enhance the user experience and foster greater trust in AI-driven mobile banking services. These investigations should aim to provide actionable insights for financial institutions and technology developers to create more effective and user-centric AI-powered banking solutions, ultimately driving wider adoption and maximizing the benefits of this transformative technology.

  1. Access to TAR UMT Library Online Resources. access tar umt library resources terms conditions of shall... doi-org.tarc.idm.oclc.org/10.1108/02644400810855940Access to TAR UMT Library Online Resources access tar umt library resources terms conditions of shall doi org tarcm oclc 10 1108 02644400810855940
  2. Investigating Mobile Banking Continuance Intention: A Mixed‐Methods Approach - Hidayat-ur-Rehman... hindawi.com/journals/misy/2021/9994990Investigating Mobile Banking Continuance Intention A MixedyAAAaMethods Approach Hidayat ur Rehman hindawi journals misy 2021 9994990
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